LTF is one of the leading Non-Banking Financial Companies ("NBFC")which provides a diverse range of financial products and services.Headquartered in Mumbai, LTF has secured the highest credit rating- 'AAA', from 4 leading rating agencies. Additionally, your Company has received top-notch ESG Ratings for its performance on sustainability. LTF operates across a wide network of branches pan India, ensuring accessibility to people having diverse financial needs across varied geographies. Your Company actively drives financial inclusion by extending its products and services to society's financially excluded and marginalised sections.

Your Company is deeply committed to upholding the legacy of its parent company, Larsen and Toubro Limited (L&T). The L&T Group, a respected name in India's private sector for over eight decades, is characterised by professionalism and high standards of corporate governance. L&T is engaged in core, high-impact sectors of the economy and integrated capabilities that span the entire spectrum of ‘design to delivery’. L&T has also played a vital role in significant projects of national importance such as the Ayodhya Ram Temple, ISRO's Chandrayaan 3 mission, the Statue of Unity, Kempegowda International Airport and the Mumbai Trans Harbour Link, amongothers.

LTF became a publicly listed company in 2011, three years after its inception. Your Company has received a Certificate of Registration (CoR) as a Non-Banking Financial Company Core Investment Company (NBFC-CIC). However, pursuant to the merger, the Company, being the surviving entity, has applied for CoR as NBFC-ICC, and complies with the guidelines applicable to a NBFC-ICC, pending receipt of the CoR from RBI.

Upholding the values of transparency, accountability and commitment to stakeholder value, your Company has consistently disclosed its performance across its operations and businesses annually through Sustainability and Integrated Reports since FY19. LTF aims to provide a comprehensive overview of both, financial and nonfinancial performance during FY24 through this Integrated Annual Report ("the Report"). The Report is designed to present stakeholders with a holistic perspective of your Company's ambitions, strategic approach, goals, performance, impact, and future direction.